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Dear TMFPixy:

I am posting this message just to let you know that I'm still here in the background picking up retirement tips at this site and to make a few comments. I do more posting at other TMF boards, but find the information at this site valuable.

1. I liked your selection for quest articles during your vacation, particularly the article issued first. I was surprised that these life experiences did not receive more posting responses.

2. It was good of you to devote an article to correct an earlier one on the length of time from the peak to peak in a bear market. I thought the number was a little low when you first posted it (easy for me to say now) and I was going to look it up on a spreadsheet I have but didn't and kind of figured some else would (not terribly responsible on my part). Now as long as I'm on the subject, I was wondering about your retirement plan with a five year buffer in safe investments to ride out a down market. Was this a concept (the 5 year buffer) that you came up with or was original with someone else? When testing it versus historic market performances and alternative strategies, it does very well. I've had 3 year buffers in the past with no particular analysis to show what was really safe. The concept and testing/analysis of it are probably the most valuable information that I've garnered from this site.

3. As pointed out by others in past posts, your articles are invariably well written and researched. My question is: Where do you obtain most of your information? From the internet? From your past life as retirement advisor? From hard copy material? Also approximately how much time does it take you each week to prepare an article on average? Feel free to use your answers in your job evaluation to extract increased rewards from those young (but hopefully, not unappreciative of us savvy veterans) Fools.

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